Business insurance for restaurants

Flexible policies for restaurants - compare quotes from a range of insurers.

Get cover options for your restaurant in minutes. Now that's fast service.

Whether you own or manage a restaurant, diner, takeaway, or bistro, here at Clear Business we can source business insurance policies to cover your risks.  

From stock, contents and buildings cover through to product, public and employers' liability, we simplify insurance for small businesses so you can choose the cover that's right for your restaurant. 

Business insurance for your needs 

Restaurant insurance is there to protect your business from risks such as food poisoning, allergic reactions, theft, assaults, loss of licence and damage to your fixtures & fittings, as well as product liability and employers' liability.  

Having cover in place can protect your restaurant business from expensive legal claims and inconvenience*. We can search the market for options for your needs, giving you more time to get back to running your business.  

Be prepared for unexpected events with business insurance arranged by Clear Business.  

The potential dangers facing restaurants where insurance can help 

As a business owner, if an accident were to happen on your premises you could be held liable. This means you might be forced to pay out a for a claim if you don’t have insurance.

There are many risks a restaurant owner or manager might want to consider when it comes to running their business, and more importantly, choosing cover. All businesses are different. If you’d like to discuss your specific business risks our team are here to help you.   

Food poisoning

Even restaurants with strict food safety procedures could potentially suffer from food borne illness due to previously contaminated food in the supply chain. Another consideration is hosting customers with severe allergies triggered by undeclared ingredients within the menus.

Fire safety

Catering kitchen fires can quickly become too big to contain. Your staff’s safety comes first so this often means following best practice and evacuating the premises. The resulting impact of a fire on your restaurant premises, can be devastating and costly.  


Business owners can be concerned about theft of money and stock. Cover for theft can protect your business against t loss of money, theft of wine and spirits, other stock and contents from your restaurant. 

Why might you need business insurance as a restaurant owner?

Cover can protect your restaurant from:

  • Damage and theft on your premises

  • Claims bought from employees injured at work

  • Customers who suffer from food borne illnesses/allergic reactions

All these risks can have negative effects on your restaurant’s daily operations and reputation. 

As small business specialists, we know how important it is to understand your unique requirements.  We can search options for your needs, giving you more time to get back to running your business.  

We can present options suitable for restaurants, takeaways, cafes, diners and other eateries.  

Why choose Clear Business for finding your business insurance?

We can compare prices from a panel of different insurers, so you don't have to. 

Up to £5 million of cover

Claims can be expensive, that’s why we source insurance that offers up to £5 million worth of public liability cover, with more available upon request.

Simple, specific cover

To help save you both time and money. We compare prices from a panel of different insurers, so you don’t have to. Giving you back more time to run your business. 

A team that knows your industry

We're business insurance specialists, so we know how important it is to understand your unique requirements.

Easy claims process

Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to help make the claims process as quick and stress free as possible.  

No mid term fees

We don’t charge any mid-term fees at all during the life of your policy. No cancellation fees from us either.  

Clear Business Insurance

Simple. Fast. Affordable.

Services simplified

Be prepared for unexpected events with business insurance through Clear Business.

Looking to take out a policy?  Our team will discuss your business needs with you and compare personalised quotes from a number of major UK insurance providers. You'll be presented with policy options that ensure you only pay for the cover you need. Simple. 

Get in touch today and get protected

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